Liquidity Reserve Review

A quick, private way to see whether your cash reserves are sized correctly for the life your portfolio has to support. You enter five numbers in your browser; we show you a bucketed outcome. Nothing you type here leaves your device.

Takes about three to five minutes. No account required.

02How to read this

What this tool is for

Right-sizing cash against essential bills. Coverage horizons are reported against essential expenses specifically — not just total spending.
Accounting for guaranteed income. Social Security, pensions, and annuities reduce how much cash has to do the work. We factor them in.
Surfacing planned lump-sum outflows. Tuition, tax payments, home repairs — known cash commitments shrink your usable buffer before they happen.
Showing you a coarse bucket, not a prescription. You will see something like “6 to 12 months of essential spending” — enough signal to start a conversation with a qualified investment advisor, not a plan in itself.

03Privacy

How your privacy is handled

Your five inputs never leave this browser tab. Caldric’s servers do not receive the dollar values — only, if you opt in at the end, a bucketed summary tied to your email address so we can send you a copy of the outcome.

Tell us about your cash flow

04Scope & limits

What this tool is and isn't

This tool is for educational purposes only. It surfaces a coarse view of your posture using inputs you entered in your browser. Caldric Capital does not receive the dollar values you type — only the bucketed outcome if you choose to email yourself a copy.

The output is not personalized investment advice, a recommendation to buy or sell any security, or a solicitation to provide investment advisory services. Every household is different; the numbers here do not account for taxes, sequence-of-returns risk, or your full balance sheet. Speak with a qualified investment advisor before acting on anything you see here.

Caldric LLC d.b.a. Caldric Capital is registered as an investment adviser with the Mississippi Secretary of State. Registration as an investment adviser does not imply a certain level of skill or training.

What this tool is for

Right-sizing cash against essential bills. Coverage horizons are reported against essential expenses specifically — not just total spending.

Accounting for guaranteed income. Social Security, pensions, and annuities reduce how much cash has to do the work. We factor them in.

Surfacing planned lump-sum outflows. Tuition, tax payments, home repairs — known cash commitments shrink your usable buffer before they happen.

Showing you a coarse bucket, not a prescription. You will see something like “6 to 12 months of essential spending” — enough signal to start a conversation with a qualified investment advisor, not a plan in itself.

Tell us about your cash flow

What this tool is and isn't